I only have one and it's a headache at times. Love how tenants pay down your mortgage and you get 5x leverage on the way up AND down (Depends on how much your downpayment is). But, it's quite risky if you happen to buy a lot of rentals at the peak, and economic cycle recession hit you, you lose most...

Netflix went down so much during one time price hike in 2011. It went from $38 to $10/share, they reversed the price hike immediately after the backlash. Now we had 2 more price hikes, everyone is happy and wants to throw more money at them, the stock goes up 6% to $350 LMAO. Time has changed. Imagi...

Just eat less. Drop the calories and the weight will be gone. There is no magic pill. Drop the eating frequency from 3 to 2 to 1. I eat once a day whatever I want and maintain 175 lb. 0 hunger once you get used to intermittent fasting. Human body is amazing. There are people who do 7-14 days fast to...

Sony 1000xm3 BY FAR the best noise canceling headphone right now. Don't drop any money for bose qc if you are serious about noise canceling. EVERY review out there rated Sony xm3 to be better in noise canceling AND sound. Don't waste your money on bose qc35. They are comfortable but they suck on noi...

Unreal Mobile has Unlimited hotspot plan for $10 a month. User has LTE data for 1 GB, after that is very slow. User has option for GSM (AT&T) or CDMA (Sprint). If you want completely free, then FreedomPop is offering free 500 MB a month (with Sprint CDMA) or free 200MB a month (AT&T) Looks like my ...

Update: The phone operated perfectly all last night, and this morning, but now is having the screen issue again. I'll be ordering a new phone today, I'm going on a vacation in 2 weeks and need a reliable phone to use. One of the above posters had me thinking about getting a used Pixel 2 XL for $350...

I used Cricket (AT&T) before as my cell phone provider. I was able to activate hotspot using Foxfi app (with USB teethering). Foxfi bypasses carrier limitation so that you can turn your phone into a hotspot. They only support a few phones that can do WIFI hotspot (fortunately, my phone is supported,...

I am wondering if rentals and dividend/cap gain for 1 person generated after marriage will also be split able (50/50). That would not be fair for someone who has more before marriage. I'm assuming it's still separate property. Anyone knows? For Cali, here is the law: "CHAPTER 2. Separate Property [...

Without a clear term, I think spouse can still ask 1/2 retirement assets, no? And if you co mingle your taxable account, house, rental repairs/maintenence, it gets hard after sometime to do the math etc. Create a different brokerage after marriage and invest in a different fund in 401k after outlini...

http://www.ronmartblog.com/2018/07/sony-rx100-v-better-than-iphone-x.html Point and shoot, you should just get a decent flagship phone. In camera quality, that means you are buying... Huaweii P20 Pro > Pixel 3 > iPhone Xs Max (major improvement over iPhone X, way better dynamic range and better low ...

Why does your phone die? Most phones don't just die... Battery gone bad? If you buy it with cc you might be able to file extended warranty on it (2 yrs, it doubles the original warranty). The past week, the screen has randomly started going black, giving static, or flashing with it getting worse an...

If you are running android 4 kitkat, I can imagine what kind of processor and RAM that tablet has (a crappy one)... You must be frustrated loading/opening anything. I believe pulling out a keyboard layout to type is a struggle with that low specs... Ask me how I know.

I don't like your hypothetical. But given the choice, I'd choose Total Stock Market, for the same reason I exchanged my actual holdings in Vanguard 500 index for Total Stock Market back in, maybe 2003 or so. I looked back at my reasons for choosing 500 Index in the first place. My reason was, as fa...

Ublock let ads come thru sometimes. I noticed it a lot on YouTube at the beginning video after I switched from ad lock. So idk which one is better they have advantages and disadvantages. About the same on both. I probably gonna switch back to adblock coz even few ads on some ads YouTube is annoying....

read the wiki mentioned above read the previous threads on inverse and leveraged funds the daily tracking-error will be compounded daily Site doesnt answer my question. And average return is still 3x s and p after expense ratio. I'm not caring too much about that decay, I know what it is. It makes ...

We pay via autopay, $60 for 2 lines unlimited data, no throttling on TMobile 55+. It’s cheaper and better than the plan we were on before where we paid more for 4 lines and less unthrottled data. I have a line with D as 2nd user on it and H has one with S as his 2nd user. I have not purchased a new...

We pay via autopay, $60 for 2 lines unlimited data, no throttling on TMobile 55+. It’s cheaper and better than the plan we were on before where we paid more for 4 lines and less unthrottled data. I have a line with D as 2nd user on it and H has one with S as his 2nd user. I have not purchased a new...

I'm a pharmacist so low income for this board lmao... Here you see specialist doctors, dentists, lawyers, techies, software engineers making 350k-1M+ Feds, government agents, firefighters, police with tons of OT and crazy pension Then the side hussle successful bloggers, making 300-600k+/yr Manager ...

In real estate, if you haven't sold your house within the first month, you price it too high. Now, you will get low ballers thinking there is something wrong with the house. With 2 price cut, you lose a lot of leverage already the longer the house sit on the market and savy buyers KNOW this. Price i...

Run your scenario through Zillow Mortgage Rates for a realistic comparison to what's out there. These are pretty solid quotes, and we have had good luck in terms of service working with companies on the platform. 4.xx with 0 points on a 30 with 20% down should still be achievable. +1 I got 3.125% 3...

Hmmm if you have large capital gain with EJ, how do you convert it to Vanguard? You are kind of stuck now, no? You don't have to sell everything to leave. Get a list of holdings and ask your new custodian what they can take in-kind. You increase your performance 1% just by getting out of AUM costs....

thanks for the links not behind the paywall. Attendees at “FI Chautauqua,” a week-long financial independence conference, spent up to $3,000 this year (not including airfare) to go to Greece and hear leaders in the FIRE community share tips. that doesn't sound particularly frugal. FIRE adherents ar...

I wanted to write that VBR (aka VSIAX) and VSS are some of the least tax efficient index funds that I own. One should consider keeping them out of taxable accounts and have them only in tax-advantaged accounts where TLH partners are unneeded. My 401k doesn't offer VBR. Just Vanguard small cap domes...

Damn, I wonder if I should just leave it alone.. Those couple precious mins could be a difference of 0.5-1% up and down. It's not very likely. A flash drop in the last 2 minutes of the day would be to your advantage. And I don't know that I've ever seen the market jump dramatically in the last 2 mi...

How to avoid run up or down during the market day to TLH? I am switching from mutual funds to etf? Time it at 03:59 est to submit? Two choices: 1. Buy the ETF at ~3:57 PM ET. Immediately enter a sell order for an equivalent dollar amount of the mutual fund. You have to submit it by 3:59 PM ET. 2. C...